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  1. Devon County County (16 017 119) Decision date: 17th August 2017. Published on the LGO website: 17th November 2017 Vulnerability and bailiff enforcement is a subject that is of great importance and sadly, it is a subject that is very much misunderstood. The LGO have made a number of decisions regarding the 'definition' of vulnerability and the following case is another one where the LGO confirm that a 'vulnerable' debtor must provide evidence to demonstrate how their vulnerability affects their ability to deal with the debt. PS: The following is a shortened copy of the de
  2. My elderly aunt went into residential care last week and I want to give myself time to work out what's best to do with the house. She is totally self funded and there's no need to sell. Her CT was paid up front last April for the whole year. I know the property would be exempt CT for a while but all the wording I find on the subject says 'until the house is sold'. Does anyone know if there's a limit on this? If there is can I just let sleeping dogs lie until next year and pick when I get my free six months - or whatever it is. I don't want to apply for a refund of monies already paid on
  3. Later this month, the long awaited Mersey Gateway will open to the public. The Mersey Gateway and the Silver Jubilee Bridges will both be tolled. The tolling system is called Merseyflow and will be operated by Emovis who operate the Dartford Crossing. In the same way as the Dartford Crossing, if payment of the toll is not paid by midnight the day after the crossing a Penalty Charge Notice will be issued for the amount of £40 (plus the unpaid toll fee). This sum will be reduced to a discounted rate of £20 if paid within the first 14 days of being issued. If the Penalty Ch
  4. Good evening guys.. Hope you are all in good health. I was posted a parking fine by Smart Parking for overstaying the free parking time in North London. I accept this may have been possible, but I put the letter to one side and forgot all about it. I have now received a letter from debt recovery plus reminding me of the outstanding parking fine but is now double the cost :-/ I am willing to pay the fine but I don't think its right I am expected to now pay double the charge. I have tried to pay on line and by phone, but Smart Parking will now not take my paymen
  5. Ryanair has told lawyers acting for a woman claiming compensation that it will no longer accept the jurisdiction of the English courts, in a case that has raised concerns over air passenger delay rights. The claims management company acting for a woman known only as Ms Menditta, who claimed against the Dublin-based Ryanair after a delay in 2015, have been told by the airline that a clause in the airline’s terms and conditions requires disputes to be decided by the Irish courts. https://www.theguardian.com/business/2016/dec/09/ryanair-says-womans-delay-claim-must-go-through-i
  6. In 2013 I had to give up work due to chronic ill health, I notified HMRC of my changed circumstances and my tax credits claim ended. Around six months later, I received a letter from HMRC stating I had been over paid by £3,500. I called them and after explaining my circumstances they agreed to suspend repayment, they didn't say for how long, just to expect further contact in future. I have since heard nothing from them. About a month ago, out of the blue I received a letter from a debt collector agency called LCS demanding repayment, I contacted HMRC and on
  7. I am approaching 68 with no savings or assets following a business collapse that also included our house being repossessed. Our sole income is my Pension Credit entitlement, and we now live in rented accommodation covered by HB. With the help of CAG I have so far been able to have 3 out of 7 related debts written off. I have been asked at intervals for I&E statements. I have always felt very strongly that these matters are nobody else’s business, so have not filled-in their forms but have responded simply re-stating our poor circumstances in general and referring ba
  8. This was posted earlier today in the Media Section of the site http://renegadeinc.com/the-bailiff-racket/
  9. Hello there! First time post for me so apologies if I miss something! I received a letter from Robinson Way for an alleged barclaycard debt, of which I sent a CCA request enclosing the £1, which they banked. I received a letter saying that they would request the details from their client and it would be on hold until they received the details. Subsequently I've now received a letter saying: "Further to your recent request for a copy agreement on the above account, we are unable to obtain this form the original creditor as this request must be formally made to us in
  10. Hi, I was called in for a compliance interview in June 2011. I admitted I saved all my DLA up for something that would help me medically (I did have savings over and above limit for this reason). I get higher rate on both components of DLA. I was told I could spend my money on the said medical aid within a few days and they wouldn't consider this deprivation of money. I am paying the overpayment and have been for quite a while. But what I cannot ascertain is whether they will take things further. I have a lot of physical and ment
  11. Roll Up, Roll Up... One and all... This is a new record by any means... Someone on another site posted this... The letter is comical, Not for the fact its a debt but for more the amount.... [ATTACH=CONFIG]60057[/ATTACH] Bravo RBS, Bravo...
  12. Hi everyone, I need some help fast!, To sum my story up this is a letter I wrote to Dell yesterday (one month after receiving a brand new laptop and 3 weeks after I reported the breakdown. "Official letter of complaint for faulty goods and refund refusal I bought a laptop from you on 27th August 2015 and it was received by me on 4th September. I paid £429. On Thursday 24th September the Internet was shutting off at will, I contacted my provider Plusnet on my old computer, obviously the connection was fine as I was chatting to them online. Upon chatting with your
  13. "The national interest must come ahead of human rights" David Cameron. But is not human rights central to our national interest? Every year the British Government sell £4 billion in arms to one of the worlds worst human rights abusers, Saudi Arabia. Currently a 17 year old Saudi male faces public beheading followed by crucifixion because he has been found guilty of being involved in sedition in taking part in a human rights riot. David Cameron's Government cut a secret deal with Saudi Arabia last month to be elected onto the United Nations 'Human Rights Council'. Sau
  14. More than 40,000 British borrowers are in line to get thousands of pounds in compensation after the High Court ruled against former bank Northern Rock in a test case over the wording in past loan documents. The court judgment said about £258m could be paid out in compensation by taxpayers, as the government now owns the part of the bank that made the loans. The amount is more than Northern Rock’s highest estimates. The payments will go to 41,000 former Northern Rock customers - at an average of £6,300 each - and are likely to prompt other banks and the regulator
  15. Hey guys, recently the shop I work at has had a few issues and I'm hoping to know where I (and a couple others) stand with things. Looking through my paperwork re; issues recently I can't find a copy of my contract. I also do not remember if I ever signed one (I may or may not have). Iirc they have 3 months from me starting to issue me a copy (if I did sign one). If I DIDNT sign one, under what terms am I actually working if anything came to a head? On the above note, several times recently in conversation it's come up that 'staff must be flexible' regarding their hours and that it'
  16. Hi, I received a penalty notice as my parking ticket was in the foot well when I returned to my car. Here's the notice & ticket: I then challenged the ticket following an example letter used successfully here (http://www.consumeractiongroup.co.uk/forum/showthread.php?389602-Have-a-local-authority-parking-ticket). This was my challenge description: "I would like to appeal the penalty charge served upon me. Enclosed is a copy of the Pay & Display ticket that I purchased and displayed for inspection. It can clearly be seen that I paid the appropriate fee and t
  17. Hi all just thought this would make a topic for discussion please follow the link read then comment http://www.independent.co.uk/news/uk/politics/charities-very-worried-after-leak-suggests-tories-plan-to-tax-disabled-benefits-if-reelected-10142070.html?cmpid=facebook-post or http://www.newsfixboard.com/t8724-charities-very-worried-after-leak-suggests-tories-plan-to-tax-disabled-benefits-if-re-elected
  18. Received notification through the post today from my electricity supplier SSE informing me that I had been selected to be one of the first to have my meter replaced by a smart meter. This was despite me having informed them 18 months ago that under no circumstances would I entertain having one fitted. The publicity makes a lot of all the benefits to customers and suppliers, and used phrases such as the Government has said that ALL homes will be fitted with meters where possible by 2020. What was more concerning was that when I contacted the call centre listed to reaffirm my intention t
  19. In November 2013 I took my 53 plate Renault Laguna 2.0 Privilege (petrol) in for service and MOT at my local Kwik Fit (KF) branch. I left with a bill of just shy of £1400 which included the fitting of a new catalytic converter and associated sensor and box totaling £451.80 inc VAT. I had cause to return the vehicle to them approximately a month later as engine noise had increased and my petrol consumption had gone up - I was now getting 25 MPG instead of the 31 MPG I was getting beforehand. The fitting of the exhaust was checked and I was assured that everything was in order – no expla
  20. http://www.thedailymash.co.uk/news/society/unemployed-must-become-scouts-2013093079926
  21. I own a Vauxhall corsa vxr nurburgring edition. Vauxhalls flagship. the car is 2 years old on a 62reg the mileage is 4000 car cost is £18k I started to notice a clunk from the gearbox I went to my local Vauxhall dealership in July .Penfolds Lewisham South East. and Left My Car In Penfolds Repair Garage to be Diagnosed. I got a call the same day from Chris the service desk at penfolds and he told mey car has low compression cylinder 4 and a Vauxhall engineer has to be send out to inspect my car. and penfolds was sure is was due to engine remap
  22. Took the car into Crawley Branch this afternoon, Front passenger tyre had a gouge in it and spare had a punture. On the website it stated the arrowspeed was £45.00 fitted I turned up without booking an appointment and asked them to check all my tyres, all within legal limit and he said they were fine, I HAD to point out the huge hole showing through to the metal. He then advised me I needed a new tyre and the spare fixed. (Awesome on his part as I had already told him that was what I wanted) I asked how much this would be and was informed £151. Pointing out that the new trye was
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